Housing commercial loans are divided into short-term loan interest rates and medium-and long-term loan interest rates.
1. Short-term loan: the loan interest rate for six months (inclusive) is 4.35%; The loan interest rate for half a year to one year (including house payment) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one to three years (including three years) is 4.75%; The loan interest rate is 4.75% for three to five years (including five years); The interest rate for loans over five years is 4.9%.
In fact, the interest rate of each bank's housing commercial loan will fluctuate according to the borrower's credit status. Please consult the customer service of each bank for the specific interest rate.
Extended data:
(1) Mortgage interest is usually closely related to the bank loan interest rate. According to relevant national regulations, the loan term of our bank is within 1 year, and its loan interest rate is 4.35%; If our loan term is 1-5 years, then the interest rate of the mortgage is 4.75%; If our loan term exceeds 5 years, the interest rate is 4.9%. You can also choose a provident fund loan to buy a house, and its interest rate is usually lower than that of commercial loans. If the term of the provident fund loan is less than 5 years, the interest rate is 2.75%; The loan term is more than 5 years and the interest rate is 3.25%.
(2) Under normal circumstances, the mortgage interest rate of banks will be raised or lowered according to the basic interest rate. Because of the influence of the 20 18 property market regulation policy, the mortgage interest rates of banks all over the country have been raised. According to the statistics of relevant institutions, the average interest rate of the first suite in China reached 5.69% from 2065438 to August 2008, including 5. 16% in Shanghai, 5.39% in Xiamen and 5.47% in Beijing. The average interest rate in Guangzhou is 5.55% and so on.
(3) How to calculate mortgage interest?
1. The interest rate conversion formula for RMB business is (note: general deposits and loans): 1. Daily interest rate = annual interest rate ÷360= monthly interest rate) ÷ 30; 2. Monthly interest rate = annual interest rate12;
2. Banks can use product interest method and transaction interest method to calculate interest.
The product interest method accumulates the account balance every day according to the actual number of days, and multiplies the accumulated products by the daily interest rate to calculate the interest. The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance.
3. Transaction-by-transaction interest calculation method carries out transaction-by-transaction interest calculation according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
1) If the interest-bearing period is a whole year (month), the interest-bearing formula is: interest = principal × year (month )× year (month) interest rate;
2) If the interest-bearing period is a whole year (month) and odd days, the interest-bearing formula is: interest = principal × year (month )× year (month) interest rate principal × odd days × daily interest rate;
3) At the same time, banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is: interest = principal × actual days × daily interest rate;